Hos income benifit
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The document describes a Hospital Income Benefit (HIB) rider that provides daily income payments when an insured is hospitalized to cover expenses not covered by other insurance, with benefits including normal room and board coverage up to 150 days annually at 100% of the sum assured, and intensive care unit coverage up to 30 days at 200% of the sum assured. The rider can be attached to various basic term and whole life insurance plans and provides income replacement of up to 75% of the insured's monthly earned income subject to underwriting based on factors like age, occupation, and income level.
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Hos income benifit
- 1. Hospital Income Benefit (HIB)
- 2. When hospitalized I have been hospitalized for 5 days How can I support my family then? and I have no income. Do I need to take out from my Will I have the money to own pocket to pay? pay for any expenses not covered? 2
- 3. 鴛稼岳姻看糸顎界庄稼乙盒彫盒彫 3
- 4. Product Description 4
- 5. Product Benefits Sum Assured Benefit (subject to 75% Limit Per Annual Limit Lifetime Limit of earned daily Disability income) Normal Room & 100% of riders Nil Board Sum Assured Maximum 150 Maximum 730 days days Intensive Care 200% of riders 30 days Unit Sum Assured 5
- 6. Which Basic Plan Can Attached To. Level Term Assurance (T80) WholeLife Care Wealth Protector Honey Honey Plus 6
- 7. Underwriting Entry Age Minimum Maximum Insured 15 days 60 Sum Assured Minimum Maximum Lower of the following: i.Juvenile, Student or Housewife 4 units (RM200), or 1 unit (RM50) ii.16 units (RM800), or iii.Maximum Monthly Income Earned (Please refer to Income Requirement Table next slide) 7
- 8. Income Requirement for HIB Occupation Monthly Salary Maximum Amount (RM) (RM) (Daily Hospitalization Income) Juvenile (0-15) 4 Units (RM200) Student 4 Units (RM200) Housewife 4 Units (RM200) Retiree/Unemployed 0 Below 3,000 4 Units (RM200) 3,001 4,000 5 Units (RM250) 4,001 5,000 6 Units (RM300) 5,001 6,000 7 Units (RM350) 6,001 7,000 8 Units (RM400) 7,001 8,000 9 Units (RM450) Self & Gainfully 8,001 9,000 10 Units (RM500) Employed 9,001 10,000 11 Units (RM550) 10,001 11,000 12 Units (RM600) 11,001 12,000 13 Units (RM650) 12,001 13,000 14 Units (RM700) 13,001 14,000 15 Units (RM750) 14,001 15,000 16 Units (RM800) Above 15,000 8 16 Units (RM800)
- 9. Underwriting Coverage Term Up to age 70 of the insured or the coverage period of the basic plan it is attached to, whichever is earlier. Backdating Follow the basic plan Occupational Class No loading on occupation class. Retiree/Unemployed are not allowed to add to this rider 9
- 10. Exclusions Among others excluded in this benefit are: Any medical or physical conditions arising within the first 30 days of insured coverage Specified illnesses during the first 120 days Pre-existing condition Hospitalization primarily for investigation purpose or general physical and medical examination. Elective procedures Treatment relating to pregnancy Tests or treatment related to infertility, contraception, etc Treatment for mental illness and psychiatric disorders. Cosmetic or plastic surgery, dental care and treatment. Treatment of sleeping disorder AIDS Participation in criminal act Participation in any dangerous sports Participation in any form of aviation 10
- 11. Benefit limitation Overseas Residence No benefit shall be payable for treatment received outside Malaysia, Singapore & Brunei, if insured resides or travels for more than 90 consecutive days. Annual Limit Daily benefits shall be limited to 150 days in a policy year collectively irrespective of types of disability Lifetime Limit Daily benefits payable during the entire period of insurance shall be limited to 730 days collectively irrespective of types of disability. Benefit Limit In the event of Hospitalization, only ONE daily benefits (either Normal Room & Board or Intensive Care Unit) shall be payable for each day of hospitalization. 11
- 12. Where can I get a quote for HIB.. 12